These days almost anybody could have an emergency come out of nowhere that they weren't prepared for, and you might need cash fast to take care of it. Unfortunately, banks don't always provide short term loans, credit cards usually don't give you cash, and not everyone has a wealthy friend or relative that can instantly loan them a lot of money. Fortunately, in the mid 1990s legislation was passed that allowed for small payday loan companies to offer short term cash loans quickly and easily to needing consumers. As a result, people now had access to this new "payday loan" which provided them with quick, fast cash at a low cost for use in unexpected financial emergencies.

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